API Reference
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Get Income

post
https://sandbox.leantech.me/insights/v2/income

Get Income endpoint provides essential income verification data for credit decisioning and underwriting processes. This API analyzes transaction history to produce reliable income insights for a specific borrower identified by their entity_id.

The API returns comprehensive income information including categorization by source (salary vs. non-salary), monthly income patterns, and statistical analysis that helps lenders accurately assess an applicant's ability to pay. These insights can be used for:

  • Verifying user stated income on loan applications
  • Calculating debt-to-income ratios with precision
  • Identifying income stability and irregularities
  • Supporting automated credit decisioning systems
  • Reducing manual verification workloads in underwriting

Use this endpoint to streamline credit underwriting workflows, reduce time-to-decision, and make more informed lending decisions based on verified financial data.

Query Params
boolean
Defaults to false
deprecated

When true the API will only return a results_id which can be fetched from the data/v2/results endpoint when ready. Note: it's recommended to use the sync flow (async=false) for all requests by adapting the data workflow.

Body Params
uuid
required

The entity_id you are querying for. The entity needs to have permissions accounts and transactions.

date

The start date in UTC (in the format YYYY-MM-DD) you want to query transactions for.

If not provided, we will default to 6 months before now.

number

Monthly income for the user that you have gathered from another source (e.g.: reported by the user).

string
enum

If you want to get salary or non-salary income or both. If you do not provide any value, it will default to ALL.

Allowed:
Responses

Updated 3 months ago

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Updated 3 months ago